I would suggest loans, like in houses, that you return, have more tax, but get a check instantly.
Checks for suggestion for all the loans I would suggest: (with tax and returning). In the shop, you can decide to claim it, or not!
$250k, 5% more tax, return automatically after 2 races (90% chance to get)
$500k, 7.5% more tax, return automatically after 3 races (60% chance to get)
$1m, 10% more tax, return automatically after 5 races (40% chance to get)
$2.5m, 25% more tax, return automatically after 10 races (25% chance to get)
$5m, 30% more tax, return automatically after 15 races (10% chance to get)
$10m, 55% more tax, return automatically after 15 races (5% chance to get)
YOU CAN ONLY HAVE ONE LOAN AT A TIME!